Kentucky Farm Bureau Insurance

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jan 4, 2021

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The Kentucky Farm Bureau (or "KFB" for short) is a voluntary organization where farm families and the allies of farm families who want to improve the overall quality of life for those in and around the farming industry. The KFB was founded back in the fall of 1919 in order to serve as the "voice of Kentucky agriculture" within the state. Today, there are nearly 500,000 members with auto and other insurance products from the KFB.

What is Kentucky Farm Bureau Insurance?

Whether you're discussing the company's financial situation or their customer service satisfaction, it appears as though the KFB is doing fairly well in both areas. For starters, the credit rating agency A.M. Best has given them a "stable" rating of A, which means that they should have plenty of funds on hand for paying out claims. And not only do they have an A+ with the BBB, but they've had fewer than a dozen complaints in the last 3 years.

Ratings Agency Rating
A.M. Best A
Better Business Bureau A+

What Kentucky Farm Bureau Insurance Discounts Are Offered?

The availability of discounts will vary depending on which state you live in, so it's difficult to say for certain what sort of savings you might be able to qualify for. However, KFB works with local business partners to offer their insurance customers discounts on the following products and services:

  • MGC vehicles
  • Polaris vehicles
  • Enterprise Rent-A-Car
  • Avis car rental services
  • Budget Rental Car

What Are the Kentucky Farm Bureau Auto Insurance Options?

The coverage options for auto policies available from the KFB are fairly simple. Below, you can see the different classifications of coverage based on what they are designed to protect. KFB auto policies come with the bare minimum coverage options for keeping you on the road legally; but if you choose to add extra coverage, you can also choose from the following:

  • Auto Liability Coverage - includes bodily injury and property damage
  • Auto physical damage coverage - includes collision and other collision-like options
  • Coverage for added protection - includes uninsured motorist, underinsured motorist, and personal injury protection
  • Other coverages - includes medical payments, towing and labor, rental reimbursement, and transportation expenses

How Can I Compare Kentucky Farm Bureau Insurance Quotes?

Before you sign up with an insurance company, it's not just important to know how their rates compare to other companies. It's also essential to know how their rates break down based on different levels of driver risk. This can mean the difference between a great deal, and some really high premiums.

Kentucky Farm Bureau Auto Insurance QuotesLegend: Kentucky Farm Bureau Married HomeownerPoor CreditSingle RenterImperfect Record 255075100125150175200225$69$244$69$69

For most types of risk, it seems as though the KFB is really forgiving; after all, most automobile insurance companies will raise your rates - significantly - for having violations on your driving record. Some of these include speeding tickets, DUIs, and previous accidents. However, it appears as though customers only have to worry about their credit score when it comes to getting the lowest rate from the Kentucky Farm Bureau.

What Are the Pros and Cons of Kentucky Farm Bureau Insurance?

Pro Con
Offers an abundance of financial and community services in addition to auto insurance With so much going on, the insurance branch of the organization may get neglected/underserved
Available in over 120 different member-counties Not available in all states

If you live and drive within the state of Kentucky, need automotive insurance, and have a good credit score, then comparing a car insurance quote from Kentucky Farm Bureau with other local companies might be a good idea. However, they do charge some pretty substantial rates to drivers whose credit score makes them "risky" to insure. Customers can also take advantage of other financial services available from the KFB, but with so many services going on, automobile insurance from KFB might not be as comprehensive as other companies' policies, or their customer service might not be as dedicated. Still, this company shouldn't necessarily be excluded from your short list of insurance contenders.

Company Headquarters
9201 Bunsen Parkway
Louisville, KY 40220
www.kyfb.com
1-502-495-5000

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